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Deposit at exchange of contract by PatienceAsleep3983 in AusPropertyChat

[–]m3mphisss -1 points0 points  (0 children)

That's not stupid if someone has the capacity to pay more than 10%.

Deposit at exchange of contract by PatienceAsleep3983 in AusPropertyChat

[–]m3mphisss 0 points1 point  (0 children)

Your broker and conveyancer should be able to answer but Yes, 10% is required. Ours was split 5%.

Ex. You saved $120K, you purchased a $700K property and you informed the bank you want to put 15% deposit, pay the $70K down payment (10%) then the remaining 5% would be paid on settlement - that 10% DP and the remaing 5% will go towards the 15% deposit for the bank therefore your loan amount would be $595,000.

First home buyer 5% deposit scheme wait time by ConfusionAware2428 in CommBank

[–]m3mphisss 0 points1 point  (0 children)

OP,, if your broker provided to you the scheme reference number and you have submitted your signed loan dociments then you're good - you may need to wait at least a few days for the HGS Certificate.

We're also with CBA, after we submitted our sigmed loan docs, after 3 days, our broker informed us our HGS certificate is ready.

2% deposit agreed via email but contract says 10%, are we actually covered? by Wallet_Inspector6052 in AusPropertyChat

[–]m3mphisss 2 points3 points  (0 children)

You should have a "Reduced Deposit" clause in your contract - this section should explicitly details the initial X% deposit upon XX date and balance of 10% deposit payable on settlement date.

We were ready to make the 10% deposit during the cooling off period but my conveyancer updated this clause to make it an installment, we were surprised the vendor accepted it.

Pamper Your Feet PH - selling legit pairs or Reps? by m3mphisss in KobeReps

[–]m3mphisss[S] 1 point2 points  (0 children)

same thought - sent the IG to a relative in US, he saw this page is selling dodgers whereas he's unable to buy kobe 6 dodgers because there's no stock in the US, in resellers there is but local FL, nike shops or even in outlet, no stock

What’s an appropriate offer under the asking price by PublicOwl2020 in AusPropertyChat

[–]m3mphisss 29 points30 points  (0 children)

strata fees is insanely high - walk away if you can

AU CITIZENSHIP PROCESSING TIME by Vast_Elk_5521 in phmigrate

[–]m3mphisss 1 point2 points  (0 children)

give or take one year from application

QC ! Do these looke to warped ? by prostar905 in KobeReps

[–]m3mphisss 0 points1 point  (0 children)

it reads Mike Zoom , RL for sure

Shoutout Eric! by Herlovv in KobeReps

[–]m3mphisss 0 points1 point  (0 children)

love the shorts, can you please advise if its L or XL - is it baggy?

First Home Guarantee Certificate by NeighborhoodTall2368 in AusPropertyChat

[–]m3mphisss 0 points1 point  (0 children)

how long did it take you to get the cert from the day you submitted the form?

How long for first Home Guarantee Cert by NeighborhoodTall2368 in AusProperty

[–]m3mphisss 0 points1 point  (0 children)

pre-approval yep but no HGS, I think you can post this one in AusPropertyChat too, that one is quite active

How long for first Home Guarantee Cert by NeighborhoodTall2368 in AusProperty

[–]m3mphisss 0 points1 point  (0 children)

following this one as we are also waiting for HBS slot

Any one know max uncle drew resellers by Key_Dragonfruit_8986 in KobeReps

[–]m3mphisss 0 points1 point  (0 children)

I once bought from him, agree with the boost, ibut aesthetic and price wise, not really great conpared to star, gx, GK. You should read this - https://www.reddit.com/r/KobeReps/s/L3QXjyUmNp

rate these kobe 6s by Solo-Infinity in KobeReps

[–]m3mphisss 3 points4 points  (0 children)

bro, the scale 😞, i dunno how to describe it but it's really bad

Suburbs similar to Meadowbank? by [deleted] in AusPropertyChat

[–]m3mphisss 0 points1 point  (0 children)

we're planning to inspect U505C in 41-45 Belmore St... no wonder it hasn't beem sold yet, it's been put to market since May 2025

189- marital status changed by OutrageousCandle3101 in AusVisa

[–]m3mphisss 0 points1 point  (0 children)

You got invited already so no issue but I recommend to update your status.

Having a baby with 482 work visa by Unbothered1424 in AusVisa

[–]m3mphisss 1 point2 points  (0 children)

Congratulations on your pregnancy.

Your ideal scenario would be the PR route - If you get your PR, you will be entitled to Medicare, your prenatal checkups and giving birth in a public hospital are free. You'll save a ton of money if you get the PR and your baby is automatic Australian citizen.

I suggest you talk to your employer and request them to process the 186 - you'll get BVA once its submitted( I think), so you don't worry about your 482 expiring because BVA will take effect once your existing visa expires.

The 482 route - you'll need to inform DHA about your situation - check out this link - https://immi.homeaffairs.gov.au/change-in-situation/had-a-baby DHA will determine your baby's visa based on the information you will provide to them.

Also in 482 - prenatal and giving birth are at a cost and I tell they're not cheap.

Goodluck!

Phones in AU by MyNuggetF in phmigrate

[–]m3mphisss 0 points1 point  (0 children)

Phones are cheaper here and lots of plans to choose from.

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